---
canonical_url: https://lendb.ai/lo/clayton-s-sheffrey-643155
json_url: https://lendb.ai/lo/clayton-s-sheffrey-643155.json
nmls_id: 643155
last_verified: 2026-10-09
---

# Clayton S Sheffrey

Mortgage Loan Officer at First Citizens Bank, San Diego, CA. NMLS ID 643155 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/643155)).

**Summary:** Clayton S Sheffrey (NMLS 643155) is Mortgage Loan Officer at First Citizens Bank, based in San Diego, CA. Lists California on the lender page (not yet checked with the state regulator). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: First-time buyer, Down payment assistance, Jumbo loan and Physician and medical professional. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey, verified 2026-10-09)
- Licensed in: California (CA, lender_reported)
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.36, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey
- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey
- **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey

## About

Clayton has 25 years of real estate and mortgage industry experience. His passion is helping first-time homebuyers navigate the home purchase process by breaking down complexities into manageable steps.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 25. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey, verified 2026-10-09.
- service_area: Orange County, Riverside County, San Diego County. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey, verified 2026-10-09.
- education: Bachelor's degree in Psychology. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey, verified 2026-10-09.
- community: Youth Sports Coach. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), San Diego, CA. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/643155

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey
- Office phone and Email on file: shown at https://lendb.ai/lo/clayton-s-sheffrey-643155#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/643155
- lender_site: https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey

Cite as: Clayton S Sheffrey (NMLS 643155), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/clayton-s-sheffrey-643155, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._